Legal Policy for Name Impersonation Victims in Online Loans: A Comparison Between Indonesia and Singapore

This study aims to examine the implementation of Article 1365 of the Civil Code on unlawful acts based on cases of name impersonation in online loans. It also aims to compare the legal system or legal protection efforts for name impersonation victims in Indonesia and Singapore. This paper employed the normative legal method using a library approach. Laws were used as a measuring tool for a person's legal protection policy in name impersonation. The results of the study show that first, Article 1365 of the Civil Code states that the act of impersonation is classified as an unlawful act. Second, the provision of legal protection for victims of name impersonation in Indonesia is carried out with protection based on applicable laws together with the Financial Services Authority. In dealing with the occurrence of name impersonation, the Singaporean government enacted the Personal Data Protection Act 2012 (PDPA) and this law is implemented by the Singapore Personal Data Protection Commission (PDPC). The conditions in these two countries can be used as a comparison of the form of protection for identity impersonation victims.